State Bank of Graymont: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Graymont of Graymont, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 9.04% | 13.32% | -4.28% | 31st below |
| Net Interest Margin | 3.10% | 3.93% | -0.83% | 13th bottom |
| Efficiency Ratio | 61.07% | 61.14% | -0.07% | 51st above |
| PPNR / Avg Assets | 1.33% | 1.68% | -0.35% | 35th below |
| Yield on Earning Assets | 4.78% | 5.67% | -0.89% | 16th bottom |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.61% | 0.94% | +2.67% | 4th bottom |
| NPA / Total Assets | 2.27% | 0.70% | +1.57% | 6th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 51st above |
| ACL / NPLs (Coverage) | 33.36% | 1539.17% | -1505.81% | 4th bottom |
| Texas Ratio | 18.68% | 7.33% | +11.35% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.77% | 12.14% | -0.37% | 62nd above |
| Equity / Assets | 11.90% | 11.37% | +0.53% | 70th above |
| TCE / Tangible Assets | 11.45% | 11.09% | +0.36% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.66% | 80.64% | -7.98% | 66th above |
| Core Deposit Ratio | 85.65% | 86.86% | -1.21% | 33rd below |
| Wholesale Funding Ratio | 0.77% | 5.04% | -4.27% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.77% | 6.85% | -8.62% | 11th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.29% | 7.90% | -2.61% | 50th above |
| Deposit Growth (Y/Y) | -3.39% | 6.29% | -9.68% | 9th bottom |
See State Bank of Graymont's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Graymont, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Bank of Graymont profile, how to read a UBPR, or how this data updates.